Automated Teller Machines (ATMs) provide a fast and convenient banking alternative for accountholders.

To ensure your safety when using an ATM, please follow these important safety precautions.

Before you go to an ATM:
  • Have your ATM card out and ready to use.
  • Protect your Personal Identification Number (PIN) and memorize it. Do not write your PIN on the card or carry it with you, and do not share your PIN with anyone, including family and friends.
  • Consider having someone accompany you when the ATM is used after dark.

Choosing an ATM:
  • Be alert and aware of your surroundings and use an ATM that is located in an open space with bright lights.
  • If someone appears to be loitering around the ATM, go to another location.
  • If anything looks suspicious, consider canceling the transaction and leave the area at once.
  • If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it. Immediately report anything suspicious to the bank that operates the ATM.

At the ATM:
  • Focus on what you are doing. Don’t use a cell phone or do anything else that diverts your attention.
  • Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble.
  • If the ATM retains your card, notify the branch as soon as possible.
  • Prevent others from seeing your PIN entry by using your body or hand to shield the ATM keypad.
  • If you are in a vehicle at a drive-up ATM, only open your window when you are ready to make a transaction. Keep your doors locked and the engine running.
  • When you are finished, put your receipt, card, and money away quickly. Count cash later in the safety of your vehicle, home, or other secure area.
  • As you return to your vehicle after your transaction, have your car keys ready and observe the area around your vehicle.
  • Go to the nearest public area where people are located if you are followed after making a transaction and call the police.
  • If someone does approach you and demands your money, do not resist. Remember everything you can about the person and call the police immediately.

Debit Card Safety Precautions

Debit cards provide added convenience in accessing your accounts. Please consider the aforementioned safety precautions and additional protections listed below when using a debit card.

  • Sign your card on the signature panel as soon as you receive it. Always keep the card in a safe place.
  • When selecting a PIN, do not use your birth date, telephone number, or Social Security number.
  • Never disclose your PIN to anyone. No one should ask for your PIN, including representatives from Guaranty Bank.
  • Do not disclose information about your card in response to an unsolicited e-mail or request.
  • If traveling internationally and using your debit card, contact your local branch to have a bank representative flag your account to avoid interruption in service.
  • Look for secure transaction symbols (https:// and a closed padlock icon) when shopping online to ensure your account information is protected. Consider using a credit card instead of a debit card for online purchases, as it may take more time to resolve unauthorized transactions or disputes with debit card fraud and money can be taken directly out of your checking account.
  • Block the view of others when using a point-of-sale (POS) terminal in making debit card purchases.
  • Check the purchase amounts on the sales receipt before signing. If the amount is different than the amount you owe, let the sales clerk know. Do not sign the receipt if the amount shown is erroneous.
  • Review your bank statements or check your account history online regularly to verify if any unauthorized transactions are shown. Always keep your statements in a safe place.
  • Report lost or stolen cards or unauthorized transactions on your account to Guaranty Bank immediately by contacting your local branch during business hours. After hours, call (800) 500-1044 to report a lost or stolen card. Providing prompt notice will limit your potential liability. For additional tips on dealing with a lost or stolen debit card, the Federal Trade Commission provides helpful information on “Lost or Stolen Credit, ATM, and Debit Cards.” Go to for more information.
  • If we suspect fraudulent debit card use, a bank representative will call you to validate the legitimacy of your transactions. Your participation is critical to prevent potential risk and avoid restrictions on your card.
  • Destroy expired cards by cutting through the account number and signature area.

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